9.
…offer a trusted advisor that empowers everyone
to achieve their own financial goals ?
An intimate, life
long companion
Offer personalized solutions
that evolve with users
Leverage technology to
democratize wealth management
How might we…

12.
“How do you make sure Jen is someone that
encourages people to really open up?”

13.
“Millennials might use a roboadviser and then feel like
they’ve checked a financial planning box - all without
having thought strategically about the future. Will Jen
encourage people to think ahead?”

14.
“I am very interested in general market updates and
financial planning assistance, but I don’t see myself
using a voice AI like Jen right now.”

22.
Data and Privacy Concerns are Among Key Risks
Facing CIBC
RISK
New channels to interact
with a bank produce new
ways for client identity to be
hacked or stolen.
MITIGATION
Partner with nextt
generation security and
cryptography companies to
tackle new wave of security
problems.
Client Security and
Privacy
Regulatory
Landscape
Organizational
Transformation
Client
Relationship
Ownership
RISK
Ambiguity may remain
around who the client
relationship belongs to
leading to clashes with
partners.
MITIGATION
Clearly define affiliate
marketing fees, commission
and revenue sharing prior to
full-scale of product.
RISK
Solution has potential to
drastically alter the current
staffing model as well as
accelerate pace of the
evolution of branch based
network.
MITIGATION
Initiate change management
program, employment
retraining and ability to
change functions within
bank.
RISK
Initial build of solution will
be within the confines of a
sandbox however with
scaling new issues may arise.
MITIGATION
Include regulators across all
scaling phases to ensure on-
going compliance. Take on a
supportive stance towards
new fintech regulation.